Do Single People Need Life Insurance?

I am single, childless, parentless, siblingless. Do I need life insurance? If I have debts and a mortgage, if there is no family to have to settle it what happens? My friends are telling me that even if I have a will with an executor, (not filed with the state) there is no obligation on their part to pay off my debts if they are not family.Debt is not inheritable. Not even for family members.
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